The Oklahoman's Real Estate section: Sept. 29, 2012

HOUSE PLAN

LISTING OF THE WEEK

Cascadia

Traditional brick home

Craftsman-style homes, most popular in the early 20th century, have staged a major comeback in recent years, and the Cascadia is a prime example.

PAGE 8E

This traditional brick home is on a cul-de-sac in a gated area of executive homes in the Deer Creek area.

PAGE 8E

HARNEY

REAL ESTATE

TIGHTER LENDING

E

THE OKLAHOMAN | NEWSOK.COM

SATURDAY, SEPTEMBER 29, 2012

Parade features more homes

Even with mortgage rates at new lows, loan underwriting is tightening even further.

PAGE 3E

IN BRIEF

ARCHITECT TELLS SECRETS

Sun Custom Homes has this 2,300-square-foot home at 9032 NW 147 Terrace in the Parade of Homes, which runs through Oct. 7.

PHOTOS BY PAUL B. SOUTHERLAND, THE OKLAHOMAN

BY DYRINDA TYSON For The Oklahoman dyrinda@gmail.com

Builders are throwing open the doors to usher in home shoppers and likely buyers with renewed enthusiasm to 120 new houses in the annual Parade of Homes organized by the Central Oklahoma Home Builders Association.

The parade, sponsored

by Womble Co., state distributor of Pella windows and doors, has 120 homes open free to the public from 1 to 7 p.m. through Oct. 7. A smart app is available to help guide guests.

Free parade guides with maps and home descriptions are available at metro-area Arvest Bank and Best Buy locations or go online to www.paradeof homesok.com.

“Building is kicking up a little more, and everybody is kind of excited,” said builder Kenyon Woods, parade chairman and a coowner of Authentic Custom Homes.

That energy translates

Timber Craft Homes built this home at 8400 NW 142 Terrace, one of 120 houses in the Parade of Homes.

into 10 more homes in the parade than in last year’s.

Most are in the following neighborhoods: Hidden Creek, north of NW 122 and east of MacArthur Boulevard; Pleasant Grove, west of Council Road north of Memorial Road; Monterau, at NW 150 and County Line Road; Rose Creek, NW 164 and N May Avenue; and Williamson SEE PARADE, PAGE 4E

BOTTLES HAVE HELPFUL SHAPE

Kurt Dinnes

Jack Evans

Kenyon Woods

Homes can be improved too much Five years ago, when a business executive in his 50s was hired as the CEO of a suburban hospital, his salary soared. To keep his commute short, he opted to live near his work, in a neighborhood of modestly priced homes.

There, he and his wife found a vacant lot where they built the most opulent house for miles around.

The couple so relished the property that they continually expanded and improved it. They added several additions and ordered multiple upgrades.

They also brought in expert landscapers.

Priced to recoup But last year, after the husband’s hospital was taken over by a larger one in a nearby city, he was given a new position at the acquiring hospital. Suddenly, his commute became exhausting, and the couple decided to move.

So they called in a real es-

Architect Gil Schafer III has built a reputation on creating classic homes — both new homes with the warmth and appearance of old houses, and older structures renovated for today’s way of living. He shares his secrets and takes readers inside some of his projects in “The Great American House: Tradition for the Way We Live Now.” Schafer explains what he calls the elements of a great house: architecture, decoration and landscape, which he considers parts of a gracious, livable whole. The book, illustrated with ample photographs of his own homes or those he’s designed, is published by Rizzoli and sells for $55 in hardcover.

Ellen James Martin SMART MOVES

tate agent to list their home, insisting — against her advice — that their house be priced high enough to let them recoup every dime they’d poured into it.

The property has had numerous showings, and buyers are impressed. But all have recoiled at the price tag. As a result, the couple’s moving plans have stalled. At this point, they’re frustrated, angry and uncertain what to do next.

This true story illustrates the difficulties faced by folks seeking to sell a swank property located in a community of mid-level homes, said Sid Davis, a real estate broker and au-

thor of “A Survival Guide to Selling a Home.”

“Unless you bite the bullet and price it right, a house that’s over-improved for the neighborhood … can languish on the market for many months or even years,” Davis said.

“Sure, people will come through your open houses because they’re curious to see that big castle on the hill. But unless you price fairly, they’ll soon disappear, never to be heard from again,” he said.

Remember location The reason owners of over-improved houses can’t recoup their investment is that location — not size or features — is the primary determinant of a home’s value, said Fred Meyer, a veteran real estate broker and appraiser.

“The principle is that in a strong neighborhood the big houses will pull up the value of a small house. But if the neighborhood isn’t

strong, the small houses will pull down the big house,” Meyer said.

How it happens Why do some homeowners spend more to expand and upgrade their property than is warranted by neighborhood standards? Davis said the most common explanation is that they anticipate living in the property indefinitely. But life, as we’ve seen, often turns out differently.

Do you intend to sell a home that has topped out neighborhood standards?

If so, these few pointers could prove useful: I Avoid a “test the market” approach to pricing.

“Folks figure that if they start high, they can always come down later. Yet by the time they’ve cut to a fair price, their house is so stigmatized they can’t even get market value. So they’re punished in the end,” Davis said.

I To get a grip on value, Davis recommends you

hire a professional appraiser. In order to peg the price of an over-improved property, appraisers often visit similar neighborhoods nearby, searching for information on what other over-improved homes have fetched in recent transactions.

I Highlight features that make your over-improved house a good deal.

He said that such enhancements deserve to be highlighted in the marketing materials prepared by your listing agent.

“Good marketing won’t make up for an overly high price. But there’s no harm in touting the positives. Go ahead and tell buyers about the top-of-the-line appliances in your kitchen, your fancy granite countertops and that gorgeous family room with that zebrawood mantel imported from Africa,” Davis said.

To contact Ellen James Martin, email her at ellenjamesmartin@gmail.com.

UNIVERSAL UCLICK

Ever make a mess trying to refill a spray cleaner bottle or a travel-size shampoo bottle?

Brincatti has a solution. The company sells wide-mouth refillable bottles that are easier to fill without spills or a funnel. Two types are available: a spray bottle that holds 22 fluid ounces and a travel-size bottle that holds three ounces, the Transportation Safety Administration’s limit for carry-on bottles. The travel bottle has either a flip-top pour cap for liquids or a spritz cap for things like hair spray. The bottles are made of recycled plastic and are recyclable at the end of their life. Brincatti bottles can be ordered at www.brin catti.com. The spray bottle costs $3.65 and a package of four travel-size bottles costs $9.99.

Shipping is extra.

MCT INFORMATION SERVICES

INDEX Handy Permits Stone

9E 6E 2E

2E

THE OKLAHOMAN

SATURDAY, SEPTEMBER 29, 2012

NEWSOK.COM

Homes may be hiding grime, germs

BY JOHN SHULTZ McClatchy Newspapers

You keep a pretty clean home. Sure, sometimes your rigid cleaning schedule has to bend here and there to accommodate life, but your house-apartment-condo stays pretty darn tidy.

You’re not bragging or anything, but you certainly have nothing to be ashamed of. You clean all the usual suspects: kitchen sinks, counters and floors.

Bathroom countertop, toilets, showers. You vacuum the carpets, dust the furniture, and maybe even hit the blinds and curtains now and then.

Good to go? Maybe, maybe not. There’s a whole host of everyday objects and high-use home appliances that often go overlooked during cleaning jags. And failure to be a completist when it comes to cleaning may not have that many obvious repercussions, but it can cost you in terms of appliance and electronic performance, allergy attacks

If you work these things into your cleaning routine, you should be fine.

It’s like preventive medicine. It heads off problems down the road.”

BRYAN DUNNING

ASSISTANT STORE MANAGER OF THE LOWE’S IN GLADSTONE, MO.

and general hygiene.

So go ahead. Grab a bucket, a can of compressed air and a little extra bleach. Roll up your sleeves and get ready to expand that household chore list by a couple of items this weekend.

Ceiling and attic fans Difficulty: Varies, from rather simple to a little bit complex.

Fans pose a little bit more of a challenge than toilet brushes because they’re quite a bit less accessible.

That being said, “if you stay on top of keeping ceiling and attic fans clean, it’s a pretty easy process,” said

Bryan Dunning, assistant store manager of the Lowe’s in Gladstone, Mo. Ceiling fans are rather simple, though you may need a long duster or stepladder to really get the job done (“with a vaulted ceiling, it may not be as feasible,” Dunning said).

The key is dedication.

Hit the ceiling fan blades with disposable dusting pads every couple of weeks, and you should be fine. Naturally, if you wait significant stretches between cleanings, expect a lot of dust falloff when you finally do get around to it.

For $3 a pack, you could also invest in a filter that sits on top of the blade, but

cleaning is still recommended, Dunning said.

Attic fans are a bit trickier.

“Step 1 is to definitely make sure you have your breaker turned off. Since the switch is usually below the fan, you don’t want to be near one when someone turns it on,” Dunning said.

“They can put out a lot of power.”

Cleaning attic fans is fairly similar to ceiling units.

“You can use a mild cleaning solution and wipe off the metal blades,” Dunning said. “And with the motor, you can use a can of compressed air to clean out any dust and dirt in the motor.”

Dunning suggests syncing attic fan cleaning with your furnace filter changing schedule.

Cleaning both kinds of fans gives the same benefit: less debris in the air and a longer appliance life span. Dunning also notes that dirty and dusty motors run hotter, meaning less efficient cooling.

“If you work these

Water conservation isn’t hard

BY ROBERT BARRON AND JAMES NEAL Enid News & Eagle

ENID — Water conservation in the home is a practice to which most of us are not accustomed.

Enid, like most parts of the country, long has enjoyed more water supply than demand required, enabling consumers to use their water resources at will.

As demand increases and drought conditions persist, the situation is changing to resemble less water-rich parts of the country, where residents have grown accustomed to conserving water in the course of their daily lives.

Reva Garrett of Enid learned water conservation practices out of necessity while living in California and Nevada.

It was a drought that took Garrett’s family away from Oklahoma.

Her grandparents moved the family west to California at the height of the Dust Bowl days. Garrett grew up in California and later moved to a suburb of Las Vegas, where water resources were even more scarce.

She moved back to Oklahoma in the 1980s but never forgot the daily water conservation habits she developed living in more arid climates.

“You didn’t just turn on the water and let it run,” Garrett said. “You didn’t do that, because if you did, you were going to deplete your water supply.”

She said people in arid climates learn to conserve water out of necessity.

“You learned from the little things, like having to pay for water at a restaurant,” she said. “It taught people, you don’t just take a sip and waste a glass of water. You learned to economize on everything.”

Garrett said simple measures like taking shorter showers, turning off the tap when not in use and planting drought-resistant plants in the yard

“made all the difference.”

She said those simple habits now are once again necessary, for herself and all local residents.

“It’s something you have to learn,” she said. “The problem is, if people don’t learn those lessons before there’s a problem, it’s too late.”

Oklahoma Water Resources Board director of information Brian Vance offered the following practical tips for household water conservation.

First, fix leaks. A U.S. home can waste, on average, more than 10,000 gallons of water every year due to running toilets, dripping faucets and other household leaks.

In the bathroom: I Turn off the tap while shaving or brushing teeth.

I Showers typically use less water than baths.

In the kitchen: I Plug up the sink or use a wash basin if washing dishes by hand.

I Use a dishwasher and make sure it’s fully loaded.

I Keep a pitcher of drinking water in the refrigerator instead of letting the faucet run until the water is cool.

I Thaw food in the refrigerator overnight rather than using a running tap of hot water.

I Add food wastes to your compost pile instead of using the garbage disposal.

In the laundry room: I Wash only full loads of laundry or use the washing machine’s appropriate water level or load size selection.

Outdoors, where in the hot summer months, or in dry climates, water use can be as high as 70 percent of total household use: I Don’t overwater. If you step on your lawn and the grass springs back, it does not need to be watered.

I Water in the early morning (4-7

a.m.) to reduce evaporation.

I Utilize runoff water, where possible.

I Sweep — rather than hosing off — driveways, sidewalks and porches.

I Check your garden hose for leaks at its connection to the spigot. Ensure a tight connection and, if needed, replace the hose washer.

I Wash the car with water from a bucket, or consider using a commercial car wash that recycles water.

I If you have a pool, use a cover to reduce evaporation when it is not being used.

I Use native and drought-tolerant plants that require less water.

I Reduce the amount of turfgrass, or at least place it strategically.

“People need to understand these little things can make all the difference,” Garrett said. “Maybe we can’t affect the world’s water, but we can affect where our water goes in our own homes.”

Garrett, like many Enid residents, said she’d like to see commercial water users also conserve water.

“But,” she added, “people are going to have to tackle it in their homes, too. On my end, I do my part because I want to stop this before it becomes too bad.”

Residents are asked to perform a water audit of their household and business water use, and identify immediate and long-term ways to conserve. ”We commend Enid for implementing their water rationing plan and encouraging citizens to conserve water, not only in times of drought, but over the long term,” said Julie Cunningham, chief of the planning and management division of the Oklahoma Water Resources Board. ”Stretching existing water supplies and water rights is the most cost-effective way to ensure water reliability through times of drought and allow growth of the local economy.”

MCT INFORMATION SERVICES

Should inspector report asbestos?

DEAR BARRY: If a home inspector knew there was asbestos in a building that was being renovated, shouldn’t he have said something? In this case, a safety officer finally shut down the project. Is the home inspector liable for not warning us about asbestos?

Gerald DEAR GERALD: The answer to your question has some complexities. First of all, a home inspector cannot know for certain that a particular material contains asbestos. Some building materials may be suspect, but laboratory analysis is necessary to conclude that asbestos fibers are present.

Second, the standards of practice for home inspectors specifically exclude environmental hazards. Therefore, home inspectors are not liable in a legal sense for not disclosing asbestos materials. On the other hand, experienced home inspectors are aware, or should be aware, of materials that are likely

Barry Stone INSPECTOR’S IN THE HOUSE

to contain asbestos. Examples include acoustic textured ceilings, old forms of duct insulation, vinyl floor coverings, old drywall mud, old asphalt composition roofing materials, roofing mastic, old pipe insulation, and more.

Some home inspectors might point out a material as “may contain asbestos,” while recommending further evaluation by an asbestos specialist. But most home inspectors avoid the subject completely for fear of becoming liable for materials that they do not disclose as “may contain asbestos.” The problem here is fear of litigation, a major threat to home inspectors, as it is to most people in business.

On the other hand, if a home inspector is aware that a client plans to remodel a home, or if an inspector sees work in progress, it would be wise for that inspector to recommend a professional asbestos inspection prior to commencing or continuing work on the property.

Unfortunately, the subject of asbestos disclosure is a mine field for inspectors, giving rise to conflicting opinions when home inspectors gather to discuss and debate the details and procedures of their work.

In any event, a home inspector who says nothing about asbestos is protected by the standards of practice for the profession and is not legally liable for non-disclosure.

DEAR BARRY: Our home has two layers of shingle roofing. When we bought it, two years ago, the seller said the shingles were 17 years old. How much longer can we expect a second roof layer to last?

Julie

DEAR JULIE: The number of roof layers should not affect the longevity of the material.

What matters is the quality of the product.

Shingles are rated according to the number of years they are warranted by the manufacturer. You can buy 20-year shingles, 30-year shingles, 40-year shingles, and so on.

Longevity is also affected by climate. Shingles wear out sooner in hot, dry summers than in locales with cooler climates or with overcast skies.

The only way to determine the condition and remaining longevity of your roof is to have it inspected by a qualified roofing contractor or a competent home inspector. If you had a home inspection when you bought the home, the inspector should have given you some idea of the condition of the roofing.

To write to Barry Stone, visit him on the web at www.housedetective.com.

ACTION COAST PUBLISHING

things into your cleaning routine, you should be fine,” he said. “It’s like preventive medicine. It heads off problems down the road.”

Home audio speakers Difficulty: Simple. And a light touch is definitely preferred.

Fans aren’t the only household staple where dust may affect performance. Consider your home theater and stereo speakers.

Jennifer Braniff-Harmon, local covert operations agent with Best Buy’s Geek Squad, said if noticeable dust is building up on the exterior of your speakers, it’s time to clean them.

It’s not just for aesthetics. “Keeping your speakers clean will help keep the sound quality in tip top shape,” she said.

Gentleness is the key.

“Remember not to spray the speaker case or grill directly and especially avoid using harsh chemicals,” she cautioned. “A dry or water-damp cloth is the

ideal cleaning method.”

If you actually have to go under the grill to get at dust buildup, do not use anything abrasive. BraniffHarmon recommends a feather duster.

Ice maker Difficulty: Involved. Varies with model.

Dust isn’t likely to be a significant issue with your refrigerator ice maker, but other concerns may arise.

“If you look at your ice, and it’s getting discolored, that’s a sign that it’s a good idea to clean your ice maker,” Lowe’s Dunning said.

First, check your owner’s manual for step-bystep guides.

Typically, Dunning said, it will involve turning off the ice maker and shutting off the water to the water line. You’ll probably have to let the water run through, then use a mild detergent to clean the line.

A mild detergent solution can also be used on the various parts of the ice maker.

MCT INFORMATION SERVICES

THE OKLAHOMAN

NEWSOK.COM

SATURDAY, SEPTEMBER 29, 2012

3E

Despite new, low mortgage rates, lenders have grown more strict WASHINGTON — With 30-year mortgage rates hitting new lows and recent borrowers’ payment performance the best by far in decades, you’d think that banks and other lenders might be loosening up on their hyper-strict underwriting standards.

But new national data from inside the industry suggest this is not happening. In some key areas, in fact, standards appear to be tightening even further, and the time needed to close a loan is getting longer.

The average FICO credit score on all new loans closed in August was 750, fully nine points higher than it was one year earlier, according to Ellie Mae Inc., a Pleasanton, Calif.based mortgage technology firm whose software is used by many lenders. The survey sample represents approximately one-fifth of all new loans — roughly 2 million mortgages.

At Fannie Mae and Freddie Mac, the dominant players in the conventional mortgage market, the average FICO

Kenneth Harney THE NATION’S HOUSING

score was even higher.

For refinancings in August, the average approved borrower had a 769 FICO score, up six points from August 2011. The average score for borrowers purchasing homes was 763, one point higher than the year before.

FICO scores are used by virtually all mortgage lenders to gauge the credit risk posed by a borrower.

Scores range from 300 to 850, with low scores representing higher probability of default, high scores indicating low risk.

Fair Isaac Co., developer of the FICO scoring model, said 78.5 percent of all consumers currently have scores between 300 and 749.

Barely one in five, in other words, scores high enough to meet today’s FI-

To get a mortgage, you’ll generally need high scores, big down payments — except for FHA, which accepts 3.5 percent down — plenty of time and reams of documentation.

CO score averages at Fannie and Freddie.

Other signs of how strict lenders’ standards have become: I The average purchaser of a home using a FannieFreddie loan made a down payment of 21 percent in August and had a squeaky-clean debt-to-income ratio, with total monthly debt payments, including the mortgage, amounting to just 33 percent of income. Refinancers had an average equity stake in their houses of 30 percent.

I People who were rejected for Fannie-Freddie mortgages also had seemingly solid credit profiles by historical standards.

The typical buyer whose application was declined had a 734 FICO score — up two points from a year be-

fore — and was prepared to put down 19 percent.

I Federal Housing Administration (FHA) borrowers’ credit profiles were also impressive, especially in view of that agency’s statutory mission to serve consumers with modest incomes, low down payments and less than perfect credit histories. In August, according to Ellie Mae’s survey, the average FICO score for FHA refinancers was 717, up 11 points from the year earlier.

FHA home purchasers had average scores of 700 — four points below what they were 12 months ago — but still far beyond historical norms. FHA officially accepts FICOs as low as 500 and requires 10 percent down payments for

borrowers below 580 but does little business at these score levels.

I In addition to, or maybe because of, the tougher standards, the mortgage process itself appears to be slowing down. The average time from application to closing for all loans during the time cycle in the Ellie Mae survey was 49 days, nine days longer than the previous August. For refinancings, the average processing time was 51 days, up from 37 days a year earlier.

What’s going on here?

Given the Federal Reserve’s repeated interventions to lower the cost of money to banks, why are they keeping their credit requirements so high?

Are there any prospects for relief for prospective buyers who simply don’t have 20 percent or 30 percent to put down and don’t have elite-bracket FICO scores?

Doug Duncan, the chief economist for Fannie Mae and former chief economist for the Mortgage Bankers Association, has a unique perspective on all

this. He readily acknowledges that big banks — and Fannie and Freddie themselves — are seeing their highest-quality “books of business” in decades, maybe ever, thanks in large part to their strict credit standards and rigorous documentation rules.

He believes, however, that the underwriting cycle could start to loosen up as banks begin to pare down their post-housing bust pricing add-ons for borrowers, their fears of costly “buy backs” of existing loans recede, and long-awaited rules on mortgage lending are unveiled by the federal government.

That’s somewhere on the horizon. But in the meantime, don’t look for any dramatic relaxations.

To get a mortgage, you’ll generally need high scores, big down payments — except for FHA, which accepts 3.5 percent down — plenty of time and reams of documentation.

Ken Harney’s email address is kenharney@earthlink.net.

WASHINGTON POST WRITERS GROUP

New low rates spur refinancing efforts

BY CLAUDIA BUCK The Sacramento Bee

They’re knocking on the lender’s door. As mortgage rates have tumbled to alltime lows, demand for refinancing has fired up homeowners nationwide.

And it’s not just those drowning in underwater mortgages. With rates for 30-year mortgages hovering below 4 percent since last October, all kinds of homeowners are trying to get their monthly mortgages reduced, according to lenders and mortgage experts.

“It’s huge. It’s buried our staff and every other lender in town,” said O.J. Vallejo, mortgage consultant with First Priority Financial in Sacramento, Calif. He said his threeperson staff has been working six days a week for the past four months.

Nationally, refinance volume “has been running at a three-year high in recent weeks, as mortgage rates remained extremely low,” Mike Fratantoni, vice president of research for the Washington, D.C.based National Mortgage Bankers Association, said in an email. “With refinances, the No. 1 driver is interest rates.”

Along with months of record-breaking low interest rates, other factors are driving the refinancing boom: a competitive lending market and changes in some federal refinancing programs for struggling homeowners.

It’s prompted many established homeowners with old-school, high-interest mortgages to decide it’s time to refi.

Generally the primary reasons for refinancing a mortgage are to: I Lower monthly mortgage payments.

I Eliminate the unpredictability of an adjustable-rate mortgage by switching to a fixed rate.

I Free up home equity cash for home improvements, college costs or other expenses.

I Shorten the loan term, say from a 30- to a 15-year mortgage, which can save thousands in interest payments.

Saving money is usually the biggest incentive.

Calling the low rates “historic,” John Winters, a wealth adviser with Morgan Stanley Smith Barney in Sacramento, said he recently advised all his clients to consider a refi. Especially for those “finding it difficult to live with” the anemic returns on low-in-

terest CDs and bonds, freeing up monthly income by refinancing can make sense, he said.

Should you refi?

It’s a personal calculation that varies. Generally, homeowners should look at how long they plan to be in their current home and whether the upfront costs outweigh the monthly savings.

“If you’re not going to be in your home another one or two years, you’re not going to recoup the closing costs,” said Greg McBride, senior financial analyst with Bankrate. com.

“Everybody’s situation is different,” said mortgage consultant Vallejo.

“There’s no right or wrong answer. The only answer is what works for your family.”

Some couples who refi-

nance are looking ahead to retirement.

Pay it off?

“Paying off the mortgage is now back in vogue,” Vallejo said, especially for those in their late 40s or 50s who want to be mortgage-free at retirement age.

That doesn’t necessarily mean they’ll lower their monthly payment by refinancing. For example, a couple with a $250,000, 30-year loan at 5.25 percent three years ago would have been paying about $1,380 a month. If they refinanced their current balance to a 20-year, 3.5 percent loan today, their payments would increase slightly, to $1,405.

“Their payment goes up $25, but they just took seven years off their mortgage,” said Vallejo. “That’s almost $116,000 in inter-

RICHARD MIZE Oklahoma Property Lines

http://blog.newsok.com/ok-propertylines

and in

Saturday’s Business

est. That’s huge.”

On the other hand, younger homeowners with kids might choose a 30year mortgage when they refinance because they need the lower monthly cash flow to save for college or pay off debt. Or those with adjustable mortgages due to reset to higher rates may want to lock in single-digit rates.

What you’ll pay The mortgage rate you’ll be offered depends on numerous factors, including: your credit score, loan amount, loan-to-value ratio (how much you owe compared to the home’s appraised value), length of

your loan term and type of home (rates on condos, rentals and vacation homes are typically higher).

Lots of mortgage ads promise “no-cost” loans.

According to some lenders, that’s a misnomer.

“It really means ‘no cash out of pocket,’ ” said Vallejo. “There’s no free lunch; somebody is paying for it.”

Typically, in a no-cost loan, all closing costs and pre-paid items (such as appraisal fees and credit checks) are paid by the lender and built into the interest rate.

Shop around It

pays

to

compare

quotes from several lenders because they offer different rates and fees. Start with your current lender or sit down with a local loan originator. You can also do refinance comparisons online, using mortgage calculators at sites like Bankrate.com or those of individual banks and lenders.

Struggling homeowners can ask lenders about changes in the federal Home Affordable Refinance Program and Federal Housing Administration refinance programs that have made refinancing options more plentiful.

MCT INFORMATION SERVICES

4E

THE OKLAHOMAN

SATURDAY, SEPTEMBER 29, 2012

NEWSOK.COM

Parade: Industry sees national economy getting better FROM PAGE 1E

Farms, SW 119 and Meridian Avenue.

Woods said he is pleased with this year’s turnout.

“That’s a good number of homes. Hopefully we can grow, but I’m just excited about having 120 homes,” he said.

Builders have good reason to be optimistic, said Kurt Dinnes, senior partner at Sun Custom Homes and association president.

Dinnes was freshly back from the National Association of Home Builders fall board meeting, where, he said, there was plenty of good news.

“On a national level, homebuilding is starting to turn the corner,” he said.

Housing starts rose nationally 2.3 percent in August, according to the U.S. Commerce Department, the strongest pace of single-family home construction in more than two years.

Oklahoma’s slow-andsteady approach to building helped blunt the blow when the housing market slid in 2008.

“We were pretty conservative here with our growth,” Dinnes said, so when the bottom fell out, Oklahoma didn’t fall as far and didn’t have as far to climb back up.

Recovery has implications beyond homebuilding, he said: “The homebuilding recovery is the prelude to the economic overall recovery of our nation.”

Sun Custom Homes’ Tuscan-inspired parade home at 9023 NW 147 Terrace in the Monterau neighborhood reflects the Old World, timeless style.

Dinnes said it was inspired by his travels around the world.

But it also fits in with more recent homebuilding trends, which find consumers looking at smaller homes with more to offer.

At 2,300 square feet, which Dinnes called “relatively small,” it is “packed with beautiful amenities.”

Fine touches include a custom iron door at the entry, a wine cave complete with stone entry and an iron gate, a master bath that doubles as a mini spa and an outdoor living area that effectively blurs the line between indoor and outdoor.

But the round stone turret out front is hard to overlook.

“It’s very seldom done on a house this size,” Dinnes said. “You’ll typically do this on a much bigger home. But we pulled it off and incorporated it into the architecture of this home.” The turret houses a study with a soaring 14-foot ceiling.

On the other hand, TimberCraft Homes’ creation at 8400 NW 142 in the Pleasant Grove neighborhood draws its exterior inspiration from the simpler Prairie-style and Frank Lloyd Wright-inspired designs prevalent in early 20th-century America. The interior, however, is thoroughly contemporary.

TimberCraft has just begun working with those designs, said Jack Evans, managing partner. “This is sort of refinement of a couple of other houses, and so we think this is going to catch on quite well,” he said.

The prairie motif carries through exterior with custom-made trim and oversized front and back porches. Inside, the team took to heart lessons

Homebuilder Kurt Dinnes of Sun Custom Homes shows the kitchen at 9032 NW 147 Terrace.

A drop zone for mail and a charging station are near the front door at 8400 NW 142 Terrace, by TimberCraft Homes.

The study at 9032 NW 147 Terrace, by Sun Custom Homes, has a soaring 14-foot ceiling thanks to its location inside a turret.

INFORMATION The Parade of Homes features 120 homes open free to the public from 1 to 7 p.m. through Oct. 7. A smart app is available help guide guests. Free parade guides with maps and home descriptions are available at metro-area Arvest Bank and Best Buy locations or go online to www.parade ofhomesok.com.

learned at the International Builders Show in Orlando, Fla., in January, incorporating more flex space into the designs that could operate as an office, another bedroom or whatever a family might require.

They also took into account the home’s “flow” to maximize its 1,860 square feet with clean, straight lines and open spaces made even more open by high ceilings. Every inch counts, Evans said.

“We try to minimize our hallway space because that’s just wasted space,” he said.

The ceiling of the master bedroom at 9032 NW 147 Terrace provides an abundance of textures.

The kitchen at 8400 NW 142 Terrace is thoroughly modern.

PHOTOS BY PAUL B. SOUTHERLAND, THE OKLAHOMAN

An iron grate door leads to the wine cave at 9032 NW 147 Terrace.

THE OKLAHOMAN

NEWSOK.COM

SATURDAY, SEPTEMBER 29, 2012

5E

6E

THE OKLAHOMAN

SATURDAY, SEPTEMBER 29, 2012

NEWSOK.COM

‘Friends’ male co-stars sell, rent in L.A.

BY LAUREN BEALE Los Angeles Times

LOS ANGELES — The male cast members of “Friends” are keeping a score of Los Angeles real estate agents in Gucci loafers.

David Schwimmer, aka Dr. Ross Geller, sold his gated home in Hancock Park this summer for $8.865 million, public records show. He bought the 11,000-square-foot Mediterranean in 2001 for $5.5 million and listed it in November at $10.7 million.

The restored house, set on more than an acre on a palm-tree-lined street, was built in 1926 by Koerner & Gage, an architectural firm that also contributed to the design of the dome-topped Beverly Hills City Hall.

The main house includes a grand living room with 15-foot ceilings, a

wood-paneled library, a den, a state-of-the-art screening room, a formal dining room, nine bedrooms, six full bathrooms, two powder rooms, five fireplaces, a wine cellar and a butler’s pantry. A detached guesthouse contains a bedroom, living room, bathroom and kitchen.

Mature trees and landscaping, a swimming pool, spa, north-south tennis court and a pavilion complete the grounds. There is a three-car garage.

Schwimmer, 45, directed the movie “Trust” (2010), as well as episodes of “Friends” and “Joey.”

He has been on the series “Web Therapy” this year with “Friends” co-star Lisa Kudrow and is in the thriller “The Iceman.” He plays half of a friendless couple in the off-Broadway show “Detroit.”

Building permits Oklahoma City Cornerstone-Midtown, 1325 N Walker Ave., apartments, erect, $34,000,000.

W.S. Bowlware Construction, 515 W Interstate 240 Service Road, retail sales, remodel, $1,000,000.

Wynn Construction, 1600 NW 27, school, remodel, $800,000.

Denise Patterson Custom Homes, 11917 Bravada Drive, residence, erect, $585,650.

Redbud Contractors LLC, 17808 Prairie Sky Way, residence, erect, $400,000.

Beacon Homes LLC, 15917 Angie Kaye Lane, residence, erect, $320,000.

Gil Wright Properties LLC, 3320 NW 170 Court, residence, erect, $300,000.

Mashburn Faires Homes LLC, 11705 Bellhurst Ave., residence, erect, $300,000.

Beacon Homes LLC, 15913 Angie Kaye Lane, residence, erect, $275,000.

Renaissance Custom Homes LLC, 13637 Rachel Court, residence, erect, $271,000.

Renaissance Custom Homes LLC, 3112 SW 140, residence, erect, $270,000.

Poff (Doug) Homes, 11400 Sundance Drive, residence, erect, $260,000.

TPC Construction Inc., 12612 NW 6, residence, erect, $250,000.

Richmond Signature Homes, 1405 NW 174 Court, residence, erect, $245,900.

J.W. Mashburn Development Inc., 3204 SW 137 Court, residence, erect, $245,000.

D.R. Horton, 16204 Wynchase Drive, residence, erect, $242,990.

D.R. Horton, 6013 NW 162, residence, erect, $242,990.

RW Custom Homes LLC, 15313 Grayson Drive, residence, erect, $240,000.

J.W. Mashburn Development Inc., 2504 SW 141, residence, erect, $230,000.

Red Door Custom Homes LLC, 8808 Halbrook Manor Lane, residence, erect, $230,000.

Bonadeo Building Co., 1405 NW 175 Court, residence, erect, $225,000.

Lesley Morgan, The Dimension Group, 14220 N Pennsylvania Ave., restaurant, remodel, $220,000.

Permits Today, 1901 Northwest Expressway, retail sales, remodel, $215,000.

Eirwin Construction LLC, 10200 Green Valley Road, residence, add-on, $210,000.

Brighton Fine Homes LLC, 13905 Georgian Way, residence, erect, $207,000.

Quality Designed Homes LLC, 6413 Bentley Drive, residence, erect,

$207,000.

D&D Construction, 12700 SW 54, residence, erect, $200,000.

D.P. Odom Construction LLC, 12612 Jacinth Court, residence, erect, $200,000.

Homeside LLC, 11905 Sawgrass Road, residence, erect, $190,000.

Taber Built Homes LLC, 408 SW 175 Terrace, residence, erect, $190,000.

Gary Owens Carpet & Construction Inc., 1704 Augusta Circle, residence, erect, $180,000.

R&R Homes LLC, 10620 SW 36, residence, erect, $180,000.

Taber Built Homes LLC, 17408 Murcielago Court, residence, erect, $180,000.

Taber Built Homes LLC, 17500 Murcielago Court, residence, erect, $180,000.

Vintage Custom Homes LLC, 416 SW 175 Terrace, residence, erect, $180,000.

Dodson Custom Homes 1LLC, 3120 NW 181Terrace, residence, erect, $175,600.

Homeside LLC, 11909 Sawgrass Road, residence, erect, $170,000.

Tiffany Enterprises LLC, 11901 Sawgrass Road, residence, erect, $170,000.

Bradbury Homes Inc., 2101 Mark J Ave., residence, erect, $167,500.

Griffin Homes LLC, 9112 NW 83, residence, erect, $160,000.

Ideal Homes of Norman LP, 18437 Las Meninas Drive, residence, erect, $143,000.

Mashburn Faires Homes LLC, 9500 Shallow Lake Court, residence, erect, $142,700.

Bockus Payne Associates Architects, 12777 N Rockwell Ave., canopycarport, erect, $130,531.

W&W Homes & Construction LLC, 11200 SW 37 Court, residence, erect, $130,000.

Westpoint Homes, 15700 Hatterly Lane, residence, erect, $130,000.

Ideal Homes of Norman LP, 18401 Bodegon Road, residence, erect, $127,000.

Timbervalley Construction, 600 NW 23, restaurant, remodel, $120,000.

Krittenbrink Enterprises LLC, 2900 Pelham Drive, residence, add-on, $110,000.

VP Homes, 804 Evening Drive, residence, erect, $110,000.

VP Homes, 808 Evening Drive, residence, erect, $110,000.

Rausch Coleman Homes LLC, 11820 NW 131, residence, erect, $109,000.

Ideal Homes of Norman LP, 18604 Agua Drive, residence, erect, $106,000.

Home Creations, 19725 Vista Ave., residence, erect, $103,900.

Home Creations, 15820 Carriage House Road, residence, erect, $103,200.

Galen Fout, 19500 Rock Spring Drive, residence, erect, $100,000.

Rausch Coleman

David Schwimmer

Matt LeBlanc

Matthew Perry

Joey’s place for rent Hoping to re-up as a landlord is actor Matt LeBlanc — that’s Joey Tribbiani to “Friends” fans. He has put an unfurnished house in Pacific Palisades up for lease at $12,995 a month.

The 1930s Spanish-style home features a stepdown living room, a paneled dining room, a libraryden, an updated kitchen, four bedrooms, four bathrooms and nearly 4,000

square feet of living space in two stories. Architectural details include beamed ceilings, wood floors and original fixtures, ironwork and tile. The half-acre tree-filled lot has canyon views.

LeBlanc, 45, played Tribbiani starting in 1994 in the decade-long ensemble series and a spinoff called “Joey” in 2004-06.

He has starred in “Episodes” since last year.

No doubt his real estate

agent, David Offer of Prudential California Realty in Brentwood, or a property manager will handle the landlording details. LeBlanc spends his working hours in London shooting the comedy series even though it is set in L.A.

Homes LLC, 8517 SW 48, residence, erect, $100,000.

Rausch Coleman Homes LLC, 4813 Hunter Blvd., residence, erect, $100,000.

Rausch Coleman Homes LLC, 4808 Hunter Blvd., residence, erect, $100,000.

Rausch Coleman Homes LLC, 7805 Bennie Terrace, residence, erect, $100,000.

Rausch Coleman Homes LLC, 7803 Bennie Terrace, residence, erect, $100,000.

Rausch Coleman Homes LLC, 7709 Bennie Terrace, residence, erect, $100,000.

Rausch Coleman Homes LLC, 9609 Kylie Drive, residence, erect, $100,000.

Rausch Coleman Homes LLC, 9637 Kylie Drive, residence, erect, $100,000.

Rausch Coleman Homes LLC, 7801 Bennie Terrace, residence, erect, $100,000.

Star Construction, 2820 Melina Drive, residence, erect, $99,000.

Star Construction, 5121 SE 45 Terrace, residence, erect, $99,000.

Star Construction, 9808 SW 28, residence, erect, $99,000.

Star Construction, 9816 SW 28, residence, erect, $99,000.

Star Construction, 2812 Melina Drive, residence, complete, $99,000.

Ideal Homes of Norman LP, 421Parsons Drive, residence, erect, $95,000.

Simon Property Group, 1901 Northwest Expressway, retail sales, remodel, $95,000.

Central Oklahoma Habitat For Humanity, 8512 N Lindsay Ave., residence, erect, $85,000.

Home Creations, 1001 Redwood Creek Drive, residence, erect, $85,000.

Home Creations, 11941 SW 8, residence, erect, $83,000.

Ideal Homes of Norman LP, 2708 NW 186, residence, erect, $72,000.

Daniel Ray, 4816 NW 30, residence, add-on, $70,000.

400 N. Walker LLC, 400 N Walker Ave., business, remodel, $45,000.

Brown Development, 10600 San Lorenzo Drive, accessory, erect, $45,000.

RK Enterprises, 14517 N Santa Fe Ave., business, remodel, $35,000.

Ainshiv Rai Madahar, 7640 Northwest Expressway, restaurant, remodel, $26,000.

Fitzgerald & Associates, 1024 SW 104, medical clinic-office, add-on, $25,000.

K. Jones Construction, 3821 Oakdale Forest Road, residence, add-on, $20,000.

Jose Rodriguez, 336 SE 50, residence, add-on, $14,500.

Kirkpatrick Forest Curtis PC, 7007 SW 44, temporary building, move-on, $10,000.

Wynn Construction, 729 SE 6, temporary building, move-on, $10,000.

Lawn Master Outdoor

Living LLC, 3101 Wexford Ave., residence, add-on, $8,000.

Total Inc., 1804 N Brauer Ave., school, remodel, $7,500.

Integrity Builders & Design Group Inc., 6393 NW 63, apartment, remodel, $7,300.

Clint Squires, 2612 NW 153, residence, add-on, $7,000.

Zalon Williams, 1019 Shamrock Road, residence, add-on, $7,000.

Marie Sterling Revocable Trust, 12400 Dutch Forest Place, residence, remodel, $6,400.

Donald Heckstall, 5048 Burntwood Drive, residence, add-on, $5,000.

No name provided, 1325 N Walker Ave., apartment, erect, $5,000.

Gary Bollingmo, 2304 Sorrento Lane, storm shelter, install, $4,250.

Terri L. Davis, 712 SW 155 Place, residence, remodel, $4,000.

Michael Craig, 8133 NW 81, storm shelter, install, $3,995.

Stephanie Strogny, 9216 NW 77, storm shelter, install, $3,995.

Amanda Cook, 2709 SW 97 Court, storm shelter, install, $3,800.

No name provided, 401 NW 150 Court, storm shelter, install, $3,695.

Loretha Davis, 729 SW 153, storm shelter, remodel, $3,500.

Michael Bordes, 1808 NW 195 Circle, storm shelter, install, $3,500.

Bryan Baldwin, 2234 NW 55, storm shelter, install, $3,395.

Robert Hill, 15309 Pleasant Cove Lane, storm shelter, install, $3,350.

Coy Glenn, 11801 SW 18, storm shelter, install, $3,200.

Byron Linkous, 6400 Sudbury Drive, storm shelter, install, $3,195.

Bobby Ercanbrack, 1425 Straka Terrace, storm shelter, install, $3,000.

Chris and Joni Schroeder, 6001 NW 162, storm shelter, install, $3,000.

Lawrence and Wendy Revocable Trust, 10504 Bayberry Drive, storm shelter, install, $3,000.

Mike and Krista Bates, 17220 Woodvine Drive, storm shelter, install, $2,995.

Connie Brasier, 12060 Czech Hall Circle, storm shelter, install, $2,800.

Daniel Wortham, 19225 Butterfly Blvd., storm shelter, install, $2,800.

Debra Perry, 829 Golden Pond Drive, storm shelter, install, $2,800.

Ground Zero, 9028 NW 84 Terrace, storm shelter, install, $2,800.

Janet S. Kitchen, 8238 NW 11, residence, remodel, $2,800.

Thu Phan, 2201 SW 78, storm shelter, install, $2,800.

William Duncan, 3701 NW 46, storm shelter, install, $2,800.

Raymond Sawaya, 10817 NW 95, storm shelter, install, $2,799.

Kathleen Johnson, 2816 SE 90, storm shelter, install, $2,795.

Tien Ngo, 9904 S Brookline Ave., storm shelter, install, $2,775.

Chandler tries a rerun Returning to the market after a half-year hiatus is actor Matthew Perry’s chic house in the Hollywood Hills West area, for $5.295 Mark Thompson, 6100 Saddleback Drive, storm shelter, install, $2,700.

Felix Cantu, 2104 Dansmere Ave., storm shelter, install, $2,695.

Ground Zero, 2852 NW 184, storm shelter, install, $2,695.

John Poe, 3108 SW 130, storm shelter, install, $2,695.

Diem Nguyen, 2833 Morgan Trace, storm shelter, install, $2,600.

Hien Nguyen, 3720 N St. Clair Ave., storm shelter, install, $2,600.

Joseph Nguyen, 1709 NW 164 Circle, storm shelter, install, $2,600.

Taber Built Homes LLC,

million.

Built in 1955 and reinvented as a contemporary, the 4,100-square-foot house features white terrazzo floors, retractable walls of glass, a home theater, a media room, three bedrooms and 31⁄2 bathrooms. A pool with spa, lawn, an outdoor fireplace and patio space complete the third of an acre of grounds. There are city and canyon views.

Perry, 43, played Chandler Bing on the sitcom “Friends” from 1994 to 2004. He stars as a sportscaster on the new comedy “Go On.” Public records show the property last changed hands in 2008 for $4.475 million. The current price is a slight drop from the $5.695 million asked last year.

MCT INFORMATION SERVICES

19000 Butterfly Blvd., storm shelter, install, $2,600.

Ideal Homes of Norman LP, 400 Durkee Road, storm shelter, install, $2,300.

Mapp Construction, 14100 N Pennsylvania Ave., temporary building, move-on, $2,000.

No name provided, 1325 N Walker Ave., apartment, erect, $2,000.

Penn Square Mall and Eric Smith, 1901 Northwest Expressway, retail sales, remodel, $1,800.

Demolitions Ray’s Trucking, 3025 NE 15, residence.

RICHARD MIZE Oklahoma Property Lines

http://blog.newsok.com/ok-propertylines

and in

Saturday’s Business

THE OKLAHOMAN

NEWSOK.COM

SATURDAY, SEPTEMBER 29, 2012

7E

8E

THE OKLAHOMAN

SATURDAY, SEPTEMBER 29, 2012

HOUSE PLAN

NEWSOK.COM

LISTING OF THE WEEK

Craftsman-style homes return Craftsman-style homes, most popular in the early 20th century, have staged a major comeback in recent years, and the Cascadia is a prime example of this phenomenon.

This home is a treat for the eyes. Corbels accent the peaks of all three front-facing gables, and an array of multipane windows sparkle across the front. Stone veneer fills the triangular area that fronts one of the gables, while shingles add their texture to the other two.

Stone veneer also serves as wainscoting and covers the bold column support that highlights the arched entry porch.

Vaulted ceilings give an expansive feel to many of the rooms, including the foyer, living room, dining room, den and front bedroom.

From the foyer, double doors open into a den or home office on the left, while an arched opening on the right leads to the main bathroom and two bedrooms. The vaulted family living area is ahead and to the left, just past the coat closet.

Windows fill most of the rear wall, creating a naturally bright environment.

Sliding glass doors in the dining area offer easy access to a wide covered patio.

A fireplace and home entertainment center line one interior wall.

The kitchen is open to the great room, across a counter with a range and oven on one side and a gently curved eating bar on the other. A deep pantry extends under the stairway

The Listing of the Week is at 2060 Deer Haven Court in Deer Creek.

PHOTO PROVIDED

Traditional brick home is in gated Deer Creek area The Listing of the Week is a traditional brick home on a cul-de-sac in a gated area of executive homes in the Deer Creek area.

The 2,615-square-foot home at 2060 Deer Haven Court has four bedrooms, 2½ baths, one living room, two dining areas and an attached three-car garage.

The main living room has a stacked-stone fireplace and ceiling fan.

The gourmet kitchen has a large center island, granite counters and stainless appliances.

The formal dining room has wood flooring and a brick accent wall with sconces.

The master bedroom

to the bonus room, which is over the garage. Laundry appliances are nearby, in a pass-through utility room that links with the Cascadia’s two-car garage.

A tray ceiling lends a

touch of elegance to the owners’ suite. Other luxury amenities include a large walk-in closet, double vanity, deep soaking tub, and enclosed toilet/ shower.

A review plan of the Cascadia 30-804, including floor plans, elevations, section and artist’s conception, can be purchased for $25 by phone, mail or online. Add $5 for shipping and handling.

Associated Designs, 1100 Jacobs Drive, Eugene, OR, 97402. www.associateddesigns.com. (800) 634-0123.

has a walk-in closet and bath with double vanities, a walk-in Travertine shower and whirlpool tub.

Two secondary bedrooms have walk-in closets and the other has a ceiling fan.

The home has a covered patio, security system and an underground sprinkler system.

The home, built in 2008, is listed for $375,000 with Ryan Litz of Keller Williams Realty.

For more information, call 245-7812 or 330-2626.

Nominations for Listing of the Week are welcome. Send a copy of the MLS information sheet on a single-family home to The Oklahoman, Richard Mize, P.O. Box 25125, Oklahoma City, OK 73125. Nominations may be faxed to 475-3996.

THE OKLAHOMAN

NEWSOK.COM

SATURDAY, SEPTEMBER 29, 2012

9E

Foundation is best left to specialist Q: I just had a paver driveway installed last month. Unfortunately, while installing the pavers, the company took out a chunk of my foundation. I had a structural engineer look at the damage and he said it is strictly cosmetic — no damage to the structure of the house or foundation.

Since I live in the Chicago area, with the freezethaw situation, I am wondering if there is any better product out there.

The company responsible said it would send an employee out to patch this with concrete. Also, am I better off having the company send out some-

Paul Bianchina HANDY @ HOME

one in the concrete foundation repairing business? I ask this because I can envision that this will just keep falling out.

A: First of all, let me applaud you for doing everything right in this situation! You had an independent structural engineer examine the damage to make sure there were no structural issues, and you have a healthy skepticism

3000 W Simpson » 10 Acres m/l Beautiful 5bedroom 2bath house, 2 car garage attached, cathedral ceilings in living area, balcony attached to master bedroom.

It will be sold as is. Priced at $195,000 Call 405-273-5777

about having the paver company do the repairs.

I suspect, as you do, that if the paver company were to do the repairs, it would probably use a standard patching material that is not as durable on vertical exterior repairs such as a stem wall, and would indeed be subject to cracking and possibly falling out over time. Your best bet is to use a company that specializes in concrete repairs, and to use an epoxy product for making the repair.

Be aware that many states give the original contractor the opportunity to make the repairs, so while I agree that you should use a specialized company instead of the

Beautiful 4bd 2ba executive home on corner lot, Westmoore Schls, 2car, 2 living areas, new carpet, fresh paint, master bath has Jacuzzi&shower Fidelity 410-4200 (5) 2bd 1ba Duplexes, brk, 1898sf, $89,900 ea Rlty Experts 414-8753

Perry , OK. Area CATTLE & HUNTING POTENTIAL

ABSOLUTE AUCTION Thursday, Oct. 4th

1 Month Free

Large 2bd $575 Casady 751-8088 Oakwood Apts-5824 NW 34th 1 bed 1 bath 800sf $350/mo $175/dep u pay electric 405-409-7989 no sec 8 813 N Brauer 1bed 1 bath 800sf $550/mo $250/dep All bills 405-409-7989 no sec 8

I BUY HOUSES Any condition. No cost to U 410-5700

I BUY & SELL HOUSES 27 YRS EXP 650-7667 HOMESOFOKCINC.COM We Buy Houses Fast Cash or Payments. 405-708-4833.

Putnam Heights Plaza 1 & 2bed, newly remodeled, ch/a, 1830 NW 39th 524-5907 Furnished/Unfurnished. Bills Paid » Wkly/Mnthly. Wes Chase Apts Elk Horn Apts, Hillcrest 370-1077 800 N Meridian - 1bd All bills paid Brand New 2bd 2ba 946-9506 •ABC• Affordable, Bug free, Clean » 787-7212» MAYFAIR Great loc! 1&2 bd W/D hdwd flr quiet secure ¡ 947-5665

RENT TO OWN Very Nice 3bd 2ba Single wide Mobile Home on 2.5 acres m/l Guthrie 9481 Lakeridge Drive Easy Approval 405-273-5777 www.property4sale.com 1N to 10A, E. of OKC, pay out dn. before 1st pmt. starts, many are M/H ready over 400 choices, lg trees, some with ponds, TERMS Milburn o/a 275-1695 paulmilburnacreages.com PRICE REDUCED $89,950 house & lg shop w/animal shed TERMS 4bd 2ba 1N Acre, additional A. available NE of Harrah Milburn o/a 275-1695 www.paulmilburnacreages.com PIEDMONT OPEN SUN 2-5 Model home. New hms on 1/2 ac lots. From NW Expwy & Sara Rd go 4.5 mi N Cleaton & Assoc 373-2494 2.5 acres 1400sf modern home.

Huge deck, 2 outbuildings. A steal at East of Jones & S of Luther $39,900 cash 301-6495 Call for Maps! See why we sell more acreages than anyone in Okla. E of OKC. o/a 275-1695 5 acres on pavement, w/well & septic $29,850 $1500dn. $267mo.

12yr. 24mi. S. of OKC. 640-8811 5ac + pond in Luther on blacktop, near Turnpike $30K 405-478-1228 LUTHER: 2700sf fixer upper on 6 city lots. $40K obo 405-478-1228

FSBO Deer Creek Schools North OKC $159,900 .. 3 bd/2 bth .. 2000 sqft .. light, bright, open, and nice! Pls call 808-4806; I will return your call!

HUGE 2300sf historical Charmer.Wood fl, ch&a. Wholesale priced $69,900 301-6495

Porky's Pizza For Sale. Accepting offers. Call after 11:00. 681-0227

AUCTION

Sat. Oct. 13 ~ 7 PM 150 Acres Only 1 Hr. from OKC HUNTER'S PARADISE or BEEF PRODUCER An Opportunity To Own One of The Best For details visit:

entzauction.com

U C Entz Auction & Realty Inc. Hydro, OK

7600 N Western Ave. Shopping Center space for rent 370-1077 5312 Briarwood Dr, 3bd 2ba 1cr, newly remodeled, $59,900 own fin 642-3847 or 354-7413

175 acres S of Lindsay, OK, live creek, 3 ponds, 40% treed, rural water. Sec 21-3N-4W, Garvin, Co. Will divide. Starting @ $1500/ac.

405-830-1473

Large 1 & 2 beds. Stove, refrig,

Reduced 3/2.5, 2100sf, updated cha/appls, 2010 roof, Moore Schls 2 liv, $121K RltyExperts 414-8753 3bd, 2ba, dbl gar, on 6 lots (25x150) $76,000 ¡ 405-412-4768

4817 SE 19th St., 3bd 1ba 1car, ch&a, nice $650 413-6204 Sec 8! Nice 3bd, spacious kit, cent. heat, walk to elem. school.

Call or come by! Malones Prop SE 41 & Sunnylane 670-1411 Very Nice 2/1/1, lrg liv, ch&a, No pets $595+dep 650-9684 No Sec 8

Contemporary 1 story, 4 bed, 2 bath, 3 car, formal dining, fireplace, close to community playground, shops and schools, $1600 month + deposit, by appointment only, 405-478-2264.

205 W. 10th 2/2/2 $895 10512 Chisholm Trl 2/1 $595 16417 Old Oak Dr 3/2/2 $1895 Express Realty 844-6101 www.expressrealtyok.com Close to UCO! Updated & nice!

3bd brick, 2 ba, hardwood floors, frpl, 2 car. Call! Malones Prop Mgt 670-1411 M-F 6125 Stonegate Pl. Oaktree 3bed 3.5 bath 4200' Gated $2600mo 748-8520 redbudrealestate.com 612 Reynolds Rd 3/1.5/1 681-7272

$795

$345 to 420 mo 632-9849

2 bed, $550/mo, Sec 8 OK, $50 MOVE lN SPECIAL, 722 NE 25th. 204-4308

Lg 1 & 2Bd close to SNU. Covered parking. $345-$445mo 470-3535

MOVE IN NOW! Pd. water/garbage Quiet.

Try Plaza East • 341-4813

Casita Blanca 2614 NW 50th Contemporary 2bed 2bath 2car 1200sf $1150/mo $1150/dep Stainless Steel Appliances, Patio, Washer/Dryer 409-7989 no sec 8 2613 NW 11th St 3bd 2ba 2car 1700sf $950/mo $800dep wash/dryer hook up, wood floor, amazing 405-409-7989 no sec 8

Deer Hunting Lease 600 acre deer hunting lease located on the South Canadian River in Asher, OK (580)-759-2159

» 7119 NW 115th, $975 » » 12111 Windmill Road, $900 » » 3bd, 2ba, 2car, 721-1831 »

Free Rent 'til Nov. 1 & 2 bed.

Spring Tree Apts. 405-737-8172 Free Month Rent! 1&2bd QUIET! Cov. Parking Great Schls 732-1122

3bd apt. available NOW! Low income 794-0201 » Moore Schools

$200 off

1st Mo Rent Selected Units Large Townhomes & Apartments • Washer, Dryers, pools • PC Schools, fireplaces

WILLIAMSBURG

The Embers! Must see 3bd, 2ba, frpl, stor. bldg 2 car + extras!

Make an offer! Call! Malones Prop Mgt. 670-1411, 640-8550

5 - PARCELS YUKON & OKLAHOMA CITY, OK 2- SELLING NO RESERVE

Owner carry 4005 Corbett 3/2/2 renov 417-2176 www.homesofokcinc.com

LippardAuctions.com 866-874-7100

AUCTION FRI, OCT. 12TH

2 bed 1 bath. w/d hk ups all appls $475mo $250 dep 326-3370

BROOKSTONE LAKES Adn 3/2/2 3225 Tenkiller Ct btwn SW 32 & Sara Rd. NO SECTION 8 $1200 mo, $900 dep. Maria 618-0563 Edgewood Manor Btw SW 15 & Mustang Rd nice 3bds 2ba 2car. starting $1000 no sec 8 618-0563 New duplexes, 3 bed, 2 bath, 2 car, call Rick, 405-830-3789.

3/2/2, ch&a, 409 Birch $850mo, $850dep. Call David @ 850-4005

7301 NW 23rd 787-1620

$200 Off

COMMERCIAL/ INDUSTRIAL DEVELOPMENT UNIMPROVED PROPERTIES

4108 S Robinson spacious 2bd home fresh paint $495 mo water & garbage paid. Fidelity 410-4200 3bd 1.5 ba 1car, carport, ch&a, $650/mo, others avail. 733-8688

Executive Home in Blanchard 1527 Fox Run Lane: 3bed, 2ba, 2 car garage, 2033 sqft, $1550.

Please call 405-366-RENT (7368).

Or visit www.bpmok.com

Large Remod 2bd All Bills Paid. ride bike to OU $650mo interested call Ed 405-365-1666

Very nice 4/2/2, total elec, 1 blk to elem schl, no pets/smoking, fenced yard, $975 mo, 354-6418.

OPEN TODAY- RENNOVATED 2bd, 1ba, 1car, W/D, ch&a, 3529 NW 51st NO PETS. 918-607-5564

Rent to Own: Nice 2 & 3bed MWC $350 & up 390-9777

Section 8 Only, 4bd, 2ba, ch&a, 3409 S. Liberty, $750 + $750 dep, 694-1570 or 685-8240.

418 Moiselle Nice home 2/1/1 CH/A $650 mo. 732-3411 www.homesofokcinc.com

405-663-2200

Repos/Used Homes starting at $15K + delivery 405-631-7600

605 SW 25th 2bd 1ba $450 2136 SW 66th 3/1/2 $895 Free List ¡ 681-7272

Seminole Apts $450-$495. Offering New Tenants Job Placement & Onsight Training 866-233-6368

1 bed, $550/mo, ALL BILLS PAID, Sec 8 OK, $50 MOVE IN SPECIAL, 716K NE 25th. 204-4308

AUCTION

Abandoned D/W Repos set up on 1-5 Acres. Many to choose from.

Ready to move in. E-Z qualify by phone 405-631-7600, 590-2379

» $100 Off 2nd Month Rent! » 1404 S Youngs Newly built 2/1 total electric $550 ¡ 681-7272

2124 White Oak Circle 3 bed 2ba 2 car 1369sf $985/mo $800/dep 405-409-7989 no sec 8

6105 N Brookline 2bd 1ba lower level. all appls $650mo 748-8520 redbudrealestate.com

PIEDMONT OPEN SUN 2-5 Model home. New hms on 1/2 ac lots. From NW Expwy & Sara Rd go 4.5 mi N Cleaton & Assoc 373-2494

Huge Year End Savings! New & Repo Homes. Own land/family land ZERO down. Don't prejudge, financing available. $2000 furn package w/purchase. Free phone app 405-631-7600, 602-4526 WAC

2 bed, garage, W/D hook up, $525 mo + $300 dep 416 SW 44th ¡ 631-8039

RENT TO OWN 1501 Marydale Very Nice Brick House 3bd - 1.5 ba - 2 car garage Easy approval 405-273-5777 www.property4sale.com

» 3/1.5/2, CH&A, $700/mo+dep» » No Section 8 » 405-341-5584»

Rent to Own: Nice 2 & 3bed MWC $350 & up 390-9777

3.5 miles to Tinker! Spacious 3bd, lg liv w/frpl, lg. master, 2ba, all stainless appl, storm shelter, 2car $1095 mo. Call! Malones Prop Mgt. 670-1411 M-F

PROFESSIONAL REAL ESTATE SERVICES » SINCE 1982

3bd 2ba 2car 1650sf $1200+dep 4/2/2, 1750sf fireplace $1350+dep WAC Home&Ranch Rlty 794-7777 2bd, 1ba, carport, storage w/ W/D hkup, Moore Schls 793-7311

U C Entz Auction & Realty Inc. Hydro, OK

INMAN NEWS

Furnished/Unfurnished. Bills Paid » Wkly/Mnthly. Wes Chase Apts Elk Horn Apts, Hillcrest 370-1077

2 Bedroom Townhomes NW OKC ALL major appliances » Gated » 1 Covered parking included » »» Starting at $854 mo »» CALL FOR SPECIALS » 751-9390

2.5 AC w/huge shp 3 lrg bd $170,00 New hm on 1 ac 4bd 3ba bonus rm $319,500 Marian Cleaton & Assoc 373-2494

entzauction.com

Remodeling and repair questions? Email Paul at paulbianchina@inman.com. All product reviews are based on the author’s actual testing of free review samples provided by the manufacturers.

3 bedroom, 2 bath, 1 car CH/A. Sec. 8 Ok, 405-417-3333

4bd 4ba study upstair bonus rm, outdoor fp & more! $299,000 4bd lrg corner lt, remodeled w/wkshp $99,900 Marian Cleaton & Assoc 373-2494

Sat. Oct. 13 ~ 7 PM 150 Acres Only 1 Hr. from OKC HUNTER'S PARADISE or BEEF PRODUCER An Opportunity To Own One of The Best For details visit:

with very fine steel wool to remove any traces of grease, dirt, and remaining soap or oil, wipe them again with a tack cloth (available at any paint store) to remove dust, and then apply a fresh coat of polyurethane. This will brighten up the cabinets.

Because there are so many variables, before doing all the cabinets with either of these techniques I would try it out on a small, out-of-the-way spot to see if you like the finished appearance.

1205 Briar Patch Way, 3/2/2, hrdwd flrs, near OU, $925 + dep.

Pets Ok. 285-0305 or 823-6550

3 SW OKC Locations

3928 E Reno $1750mo house & lg 1500sf whse 601-5905 235-5028

405-663-2200

Immaculate log home on 160 ac, creek, wildlife, barn, corrals 1115 acre Ranch w/3bd, 31 ponds, barn, corrals, grazing/hunting 320 acres in Wichita Mntn very scenic & remote $1000/acre 40 acres on black top 1 hr from OKC, excellent home site/hunting 160 acres near Gracemont good hunting, soil, home site 2 Beautiful Girl Scout Camps west of I-35, in Binger & Granite TumbleweedTerrRE 580-569-4213

1bd Apt Furn. $350, $150dep; 2bd trailer $390, $150dep. 321-4773

GREAT Office Space. Various NW locations, 300-6000sf 946-2516

Prestigious hunting land on county road, $25K. 405-886-1643 580 ac, Lamar, OK, cabin, 35% open, $453,500, 405-386-6629.

cabinets to see if they have a slight sheen, especially compared to how the interiors look.

If they don’t have a finish, my recommendation would be to wipe them down with a stain that is the same or a little lighter than the existing color, which should brighten them up a little and even out the appearance. When that is dry, apply a coat of clear polyurethane to protect the wood, which will also give the cabinets a brighter, fresher look.

If they do have a finish on them, which is likely, nothing is really going to penetrate the finish. Your best bet is going to be to wipe the cabinets down

400 ± ACRES NOBLE COUNTY LAND

580-237-7174 LippardAuctions.com

4/1.5 brk ch&a new roof/windows 1305 McDonald Dr $55K 205-6500

original contractor, you may get a little resistance to this idea from the contractor.

Q: How can I perk up some dark kitchen cabinets that I do not want to completely refinish? I considered some dark Old English scratch cover oil, but wondered if some dark oil stain would work better. I have washed the cabinets with some Murphy’s oil soap. They need something to freshen them up. What would you suggest?

A: First of all, you’ll need to determine if the cabinets have a clear finish, such as polyurethane.

You can probably tell this by looking closely at the

1st Mo Rent Selected units 2 & 3 bed Townhouses Washer/Dryers, Fireplaces, P.C. Schools

PARKLANE

721-5455

Very nice 3 bed 1 bath

central heat & air, W/D hook up, $700/month, $350 dep. Sec 8 OK. 3823 NW 11th St. 405-255-8832 KAT Properties-Apt & Homes for rent. Scan this w/your phone app

225 NW 79th, 4 bedroom, $800/mo+ $700dep. 405-229-7437 1721 NW 1st 1bed 1bath 681-7272

$385

7705 NW 116th, 3/2/2, PCN Sch $1095 mo, $1095 dep 370-1077 Luxury 4 bed home, $1,000/mo, Sec 8 ok, 409 NW 85th. 204-4308 3410 Cameron Court, 2/2/1 Appl $695 no pets JW Rlty 755-2510 Great condo, 3bd 2K ba, FP, $975 9719 HefnerVillage Blvd 830-3399

IMMACULATE 3bed 1.5bath 2 car, new hdwd flrs $990mo $1200dep 1yr lse: 6401 S Villa; 2528 ElToro.

627-3791 » WE LOVE TFA 3/1.5/2, fireplace, on cul-de-sac, 5 min to Tinker. 5704 Shalimar $800+dep. No Sec 8 Call 417-9998

$99 Special

•City bus route/Shopping •Washer/Dryer hookups

3/1/0, new interior, 6803 NW 53, ch&a, fridge, $750/$500 788-9077

2221 N. Meridian 946-6548

Lovely 3br brick home – elite area Walk to park/lake $965 603-4775

Valencia Apts

4008 NW 14th 2/1/1 $625 6500 N Grand #106 2/1.5/2 $995 2646 NW 34th St 2/1/1 $650 3513 N Kentucky 3/1/1 $850 14415 N Penn Ave B 1/1 $550 12817 Burlingame 4/3/2 $1950 12305 Cedar Springs 2/2.5/2 $975 Express Realty 844-6101 www.expressrealtyok.com

Bills Paid

Furnished/Unfurnished Weekly/Monthly 370-1077

8100 N. MacArthur Blvd 1 & 2 BD & Townhouses

4 bed 2 bath section 8 only.

3341 NE 11th 405-412-8083.

1121 SE 21 2bed 1bath 681-7272

$425

2437 SE 51st, 3/1.5/2 $750 rent, $500 dep, Sec 8 ok, 324-2611

Mgmt » Leasing » Sales Spectrum Management 848-9400 usespectrum.com

All bills pd except cable & ph, furn w/prvt entry/bath $400 371-8426

SENIORS!

Unique Opportunity Efficiency apartment With Section 8 All utilities paid CALL TODAY! Charles Atkins 405-424-3142 1917 NE 20th Street

3bd Cabin in Branson, MO $600 week from Sun. - Sun. sleeps 6-8, Jacuzzi/Hot Tub, furnished 405-820-2656

Condo on Table Rock Lake, sleeps 8, full kitchen & laundry, multiple pools, shuffleboard, Fri 11/23-Fri 11/30, $185/night, 405-808-5456.

10E

SATURDAY, SEPTEMBER 29, 2012

THE OKLAHOMAN

NEWSOK.COM